Premiums will not be paid if the claim is due to: -

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Criminal acts, drug abuse, HIV/AIDS, pregnancy, self-inflicted injury or war and civil commotion.
If your living outside the UK, channel islands and Isle Of Man for more than 13 consecutive weeks in any 12 months.

The cover will cease when either the plan term ends, the person covered dies, when disability ends or when a cash lump sum is paid upon diagnosis of a terminal illness or critical if appropriate.
If your plan includes critical illness and is review-able every 5 yrs the premium protection will change in line with each review.